Clever Ways You Can Lower Your Car Insurance Cost Without Breaking Any Laws
Many drivers are prone to making mistakes when it comes to insuring their vehicle and these might mean facing huge fines in the future. What more, these same errors lead to drivers being left uncovered and prone to troubles when the time for claiming comes.
However, there are also drivers who are purposefully trying to trick the system in the hopes of getting a lesser car insurance premium.
One of these people’s go-to trick is something called ‘fronting’. This simply means writing down another person as the main driver of a car. Fronting reportedly often happens with younger drivers who put the name of their parents on their policy. It’s worth noting that the practice of fronting is illegal whether done intentionally or not.
There are also drivers who purposefully leave out important information like unclaimed convictions or previous claims. While most insurers would recognize honest oversights and mistakes, those who are caught lying just to get cheaper car insurance may risk getting a criminal record should their lie be caught in the event of a crash.
Thus, Mark Allen from the Association of British Insurers advises people to just do their due diligence and shop around for the right policy at the lowest possible price. Besides, there are many other completely legal ways to lower one’s car insurance.
Adding a Driver
Instead of resulting in fronting, people can just add another driver to their current policy. Just note that you should have permission from the person before you can add them. Your chosen secondary driver should also preferably have a good no-claims record and a ‘clean’ driver’s license.
Switch Insurance Policies
Another way you can save some bucks on your car insurance is by looking for a better quote some weeks before you’re about to renew your current one. Auto-renewing your old policy will probably cost you more than just switching to a new one.
Be Honest About Your Job
Experts also recommend drivers to truthfully declare their job title. But they also warn that certain job positions may result in more expensive premiums. For example, a chef would fetch a higher premium compared to people who work as kitchen hands. The more high-paying your job is, the higher the chances of you paying more car insurance.
Removing certain types of cover from your policy will also reduce the price of your insurance. This list includes things like the cover when driving in a foreign country, windscreen cover and breakdown cover. Just think twice about which things you’ll remove before doing so.
Pay In One Go
If you can afford to pay for your premium in one go, definitely choose to go that route. Doing so would save you money because you will no longer to pay for interests on the premium.
More in Legal Advice
Back Pain from a Slip-and-Fall Accident: Symptoms and Treatments
According to the Centers for Disease Control, about 1 out of 5 falls causes a serious injury including back pains. There...February 11, 2020
Law Students Are Using Crazy Tactics to Stay up All Night And It’s Taking a Toll on Their Health
If you are studying law right now, chances are, you are committed to the profession, and rightfully so, since you’re in it...February 11, 2020
This Grandmother Filed a Lawsuit for Suffering Emotional Trauma from Daughter’s Childbirth
Most family members are thrilled to watch their loved ones give birth, but one grandmother was particularly horrified after witnessing a traumatizing birth...February 11, 2020
Unilever Stole This Product Idea from a Scientist, 13 Years Later Justice Has Been Served
Waging a legal war against a corporate giant is no easy feat but it is a battle worth fighting for, especially when there...February 10, 2020
Thinking of Taking a Friend’s Debt to Court? Here’s What You Need to Know about a Money Claim
Your landlord doesn’t want to return your security deposit or you’ve been scammed by a seller – in both situations, the...February 10, 2020
Good Guy Turned Bad? Judge Portrayed in American Gangster Faces a Five-Year Probation Because of This SHOCKING Reason
Have you watched the 2007 film American Gangster? There’s a reason it got a series of nods from award-giving bodies: its...February 10, 2020
Are You Too Old for Law School, Here’s What You Need to Consider Before Choosing the Major
If you are here, that means you, like many others, chose a career path that has proved to be unsatisfactory. Now...February 10, 2020
‘Money Issues’ Is the Third Leading Cause of Divorce in America—Here’s How Couples Can Avoid Fighting About Financial Matters
After ‘basic incompatibility’ and infidelity’, ‘money issues’ is cited to be one of the leading cause of a couple’s decision to...February 7, 2020
Fitness App Makes Woman Lose Thousands of Dollars in Personal Injury Money!
Sharing information online is the ‘it’ thing for most people today. In fact, social media and its apps have given people...February 7, 2020